Internationally mobile families can access comprehensive financial planning through international financial advisers and wealth management firms that coordinate investments, retirement planning, tax residency considerations and long-term wealth decisions across borders.
Providers such as Adam Fayed, Winson Capital, Loadstone Group and Intrasia Wealth offer varying combinations of expatriate financial planning and cross-border wealth management, while HSBC Expat provides international banking and investment services.
Adam Fayed works with expats, high-net-worth individuals and internationally mobile families on cross-border financial planning, investment management, retirement strategies and international wealth structuring.
The firm's approach brings these considerations together within a broader wealth strategy, with specialist legal and tax matters addressed through appropriately qualified professionals where required.
The firms are included for comparison, without implying a ranking or endorsement. Families should verify each provider's service scope, regulatory status, geographic eligibility, fees and jurisdictional expertise before proceeding.
Key Takeaways
- International wealth advisers differ in how much financial planning they provide beyond investment management.
- Comprehensive advice can connect investments, pensions, tax obligations, and estate arrangements across countries.
- Regulatory authorization, fees, and service eligibility are key factors when comparing providers.
- Long-term strategies need to accommodate relocation, currency exposure, and changing family goals.
My contact details are hello@adamfayed.com and WhatsApp +44-7393-450-837 if you have any questions.
The information in this article is for general guidance only. It does not constitute financial, legal, or tax advice, and is not a recommendation or solicitation to invest. Some facts may have changed since the time of writing.
What is international family financial planning for expats?
International family financial planning for expats is the process of coordinating a household's investments, tax residency, retirement savings, and long-term wealth goals when its financial life spans multiple countries.
Unlike domestic planning, it must account for how different jurisdictions treat income, assets, pensions, and family circumstances.
For example, a family might earn income in Singapore, retain property in the UK, hold investments through an international platform, and eventually retire in Portugal.
Each decision can affect the others, so advice that considers only one country may leave important gaps.
Effective expatriate financial planning typically brings together five areas:
- Tax residency and compliance: Understanding where family members are tax resident, which income and assets must be reported, and whether tax treaties apply.
- Investment management: Building a diversified portfolio that considers currency exposure, investment restrictions, and the family's future relocation plans.
- Retirement planning: Coordinating pensions, retirement accounts, and expected income across different countries.
- Family financial goals: Budgeting for education, property, major purchases, and changes in household income.
- Succession and wealth transfer: Reviewing wills, inheritance rules, and the implications of holding assets across jurisdictions.
Which firms offer global financial advisory services
for international families?
Several firms provide services relevant to internationally mobile families, including Adam Fayed, Winson Capital, Loadstone Group, Intrasia Wealth, and HSBC Expat.
Their offerings vary in international coverage, investment management, retirement planning, and the extent to which they coordinate a family's wider financial needs.
1. Adam Fayed
Adam Fayed focuses on expatriates and high-net-worth individuals seeking investment and wealth structuring solutions beyond those typically available through domestic financial providers.
With a largely remote advisory model, the business is particularly relevant to families managing wealth across borders or planning future relocations.
Its broader approach connects investments, retirement planning and wealth preservation with longer-term family priorities, including succession and inheritance considerations, with specialist support where required.
- Services offered: Global wealth structuring, international investment solutions, retirement planning, asset protection, cross-border money transfers, and support with related estate and succession planning needs through specialist professionals.
- Fees and compensation: Fees vary by service. Adam Fayed lists standalone portfolio review and structuring advice from US$1,500. Investment-related fees typically start from 0.5%, but the final costs depend on the platform and arrangement selected.
- Regulatory status: Adam Fayed operates through affiliated entities and professional partners, with regulatory arrangements varying by service and jurisdiction. Clients should confirm which entity will provide the service and verify its applicable authorization before investing.
2. Winson Capital
Winson Capital positions itself as an independent financial planning provider for expatriates and internationally mobile families.
Its international focus is relevant to households whose financial circumstances extend beyond a single country.
- Services offered: International financial planning, investment solutions, retirement planning, and insurance.
- Fees and compensation: Winson Capital does not publicly disclose a standard advisory fee or annual management percentage. Fees depend on the service and arrangement; prospective clients should request a breakdown of advice fees, investment-management charges, and product commissions.
- Regulatory status: Winson Insurance Consultants Limited is licensed by Hong Kong's Insurance Authority as an insurance intermediary under license FB1040. Confirm the legal entity and applicable authorization for other financial services and jurisdictions.
3. Loadstone Group
Loadstone Group focuses on cross-border wealth management for expatriate households with financial assets and retirement arrangements spanning multiple countries.
Its experience with US retirement accounts and UK pensions is relevant to families relocating internationally while retaining investments and retirement savings in their countries of origin.
- Services offered: Cross-border wealth planning, portfolio management, UK pension transfers, US retirement account solutions, and international investment access.
- Fees and compensation: Loadstone offers a complimentary 30-minute initial consultation (US$0). Ongoing advisory and investment-management fees are individually quoted, with a detailed proposal provided before engagement.
- Regulatory status: Loadstone identifies US SEC registration for its US advisory activities, FCA-regulated institutions for UK pension solutions, and a separate South African license for offshore management and advisory services. The applicable entity and authorization should be verified for the family's circumstances and jurisdiction.
4. Intrasia Wealth
Intrasia Wealth specializes in managing investment portfolios for expatriates and international families with assets spread across multiple countries.
Its use of independent third-party custody and transparent portfolio reporting is relevant to families seeking centralized investment oversight while retaining financial arrangements across jurisdictions.
- Services offered: Investment advice, discretionary portfolio management, portfolio consolidation, and coordination with external specialists on wider wealth structures.
- Fees and compensation: Annual management fees are typically 0.5%–1.5% of assets, depending on portfolio size and service. Intrasia charges no performance fee or entry and exit fees. Custody, dealing, platform, and underlying fund costs may apply, with the full fee breakdown provided in writing before engagement.
- Regulatory status: Intrasia Wealth Limited is licensed by the Mauritius Financial Services Commission as an Investment Adviser (Unrestricted), licence IX24200006, and by South Africa's Financial Sector Conduct Authority as a Category I Financial Services Provider, FSP 54955. The firm is not directly authorized by the UK's FCA; UK clients are served through Acacia Wealth Limited, an independently authorized firm.
5. HSBC Expat
HSBC Expat combines international banking with investment and wealth services for eligible expatriate customers.
For international families, its main advantage is the ability to manage banking and investments through one institution, although the level of financial planning available varies by service.
- Services offered: International banking, savings, advised and self-directed investments, retirement planning, and selected wealth planning services.
- Fees and compensation: HSBC publishes an advice and implementation fee of 3% for advised portfolios of £25,000–£499,999, falling to 1.5% for portfolios of £500,000 or more. Other investment arrangements have different charges, including fees for regular-contribution plans and self-directed investments. Confirm the current tariff and any underlying fund costs before proceeding.
- Regulatory status: HSBC Expat is a division of HSBC Bank plc, Jersey Branch, regulated by the Jersey Financial Services Commission for banking, general insurance mediation, investment, and fund services. The relevant entity and available protections should be verified for the specific service and jurisdiction.
What should international families look for in a financial planning firm?
International families should choose a firm that can coordinate investments, retirement planning, tax considerations, and long-term wealth decisions across relevant jurisdictions.
Key factors include:
- Expatriate financial planning experience: Look for experience handling relocations, overseas pensions, and assets held in multiple countries.
- Cross-border tax and regulatory coordination: Confirm that the firm can identify relevant tax and reporting issues and coordinate with qualified tax professionals where needed.
- Investment portability and currency management: Check how relocation may affect investment accounts, product availability, currency exposure, and portfolio strategy.
- Family wealth and succession planning: Assess whether the firm can address education costs, retirement income, dependents, and cross-border inheritance considerations, coordinating with legal specialists when necessary.
- Fees and service availability: Review advisory fees, commissions, investment requirements, and whether the firm can continue serving the family after a move to another country.
An international presence alone does not guarantee comprehensive advice.
Confirm the provider's regulatory authorization, geographic eligibility, and the precise scope of services before proceeding.
Conclusion
For families living across borders, wealth can become fragmented long before it becomes difficult to manage.
Different accounts, pension systems, currencies, and legal arrangements may each reflect a sensible decision made at a particular stage of life, yet no single provider may have the full picture.
That makes continuity a crucial test of financial advice.
The right strategy should remain useful as careers shift, children grow up, assets change, and retirement plans evolve.
Ultimately, the goal is to preserve the family's freedom to choose where and how its future unfolds.
FAQs
How should I file my taxes if my spouse is a nonresident alien?
Your tax filing options are determined by your country of tax residence, citizenship or immigration status, and the rules governing your spouse's status.
Some jurisdictions allow joint filing, while others require separate returns or apply special rules to couples with different residency statuses; check the relevant tax laws and treaties before filing.
Which country is best for tax residency?
Countries such as the United Arab Emirates, Singapore, and Switzerland may offer attractive tax arrangements, but the best choice is based on the family's income, assets, residence rights, and long-term plans.
Compare personal income tax, capital gains tax, wealth and inheritance taxes, residency requirements, and double taxation agreements before choosing a country.
Can you get pensions from two different countries?
Yes, a person can generally receive pensions from multiple countries if they meet each scheme's eligibility requirements.
Payment rules, overseas restrictions, and tax treatment vary by pension type and country.
How do you develop a financial plan for your family?
Start by reviewing the family's income, expenses, assets, debts, and financial goals, then establish a savings, investment, retirement, and protection strategy.
International families should also account for cross-border tax obligations, currency exposure, and inheritance arrangements across relevant jurisdictions.
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